Who wants to pay for insurance? To that question, many people would say, “Not me!” That begs the follow-on question of “Why do I need car insurance?” Here’s are the reasons. If you:
- wrecked your car, could you afford to get it fixed?
- damaged somebody else’s property, could you afford to pay to fix their property?
- caused personal injury to others (whether in your car, someone else’s car or a pedestrian) could you pay their medical bills?
Want to find out what car insurance costs? Click the button below and the ValChoice calculator will show you all the car insurance discounts that are available and what a fair price is for you.
I’m a Safe Driver, So I Shouldn’t Need Car Insurance
The high cost of medical bills and repairing damaged property means that most people are unable to pay the expenses listed above. The U.S. legal system defines who is responsible for an accident so that it’s clear who must pay for fixing the damage. The insurance company simply pays the costs of the damage caused by the responsible party. Insurance companies only pay this cost when they are the one insuring the responsible party.
Even safe drivers can have accidents. Because it’s hard to know who has the ability to pay for the damage caused by an accident, today’s laws require every driver to have insurance. The minor exception to this is in the state of New Hampshire that has no such requirement.
Finally, Insurance Comparison Shopping Made Easy
We all must have insurance. Now the question becomes, what’s the easiest way to get good insurance? Comparison shopping with ValChoice is changing the way consumers shop for insurance. With ValChoice, consumers will start by finding which companies are best in their state. Then, they will get quotes from only those companies. As this future becomes reality, advertisements by insurance companies will have to change. Instead of advertising as a form of entertainment, the most-effective advertisements will also include real information about company performance.
We make it easy for you to compare any insurance company to the best companies in your state. Click here to go to the “Best Car Insurance” company listings and compare to your insurance company. The best companies are different in every state. Be sure to go to your state to find the best.
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